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Is my car insured? | Check the insurance status UK INSURANCE

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UK law requires that any car or vehicle registered on your behalf must be insured at all times, as well as have a valid MOT and road tax.

If you are caught driving a car without insurance, the consequences are dire, and this marker in your driving history will cause your future auto insurance premiums to rise.

If you are unsure whether your car is insured or not, it is important that you check the insurance status right away. Fortunately, there is a quick and easy way for you to get a car insurance review to make sure there are no fines or worse. This is explained in this guide.

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Car Insurance and Uninsured Drivers – What is the Law?

According to industry experts, there are currently over 1 million uninsured motorists on the UK’s roads, statistically causing more traffic accidents, injuries and deaths than those who are insured.

As a result, the Continuous Insurance Enforcement (CIE) The aim is to curb the high number of uninsured drivers on UK roads in order to ensure the safety of other drivers as much as possible.

The law says that any Car that is driven on the road or in any other way must be insured. The Motor insurance office (MIB) and the Driver and vehicle registration office (DVLA) work together to identify uninsured vehicles according to the CIE system. Both organizations compare the insurance documents in the DVLA with those in the motor vehicle insurance database (MID).

The only vehicles that do not have to be insured under (CIE) and British law are those that have been officially declared as “off the road” by the DVLA via a SORN application. This applies to vehicles that are not currently in use and are parked on private land such as a driveway or garage and are not used or kept on public land or streets.

If you do legal off-road notification (SORN) you must also send your control disk back to the DVLA.

Find out more: What does SORN mean?

The only other exception to the Motor Insurance Act is that your vehicle has been stolen or scrapped.

How do the police check car insurance?

In the UK, police use their own Automatic Number Plate Recognition (ANPR) technology, as well as updated information from the Motor Insurance Database (MID), to intercept motorists uninsured vehicles.

With this technology, the police are currently seizing over 500 uninsured vehicles every day. On average, one person is convicted of driving without insurance every three minutes.

It is worth remembering that you do not have to drive to be caught without an insurance policy as the police can easily check a parked vehicle at any time if they suspect anything.

Driving without insurance – the penalties

If it is found that you have a car that does not have a valid insurance policy, a lawsuit will take place.

If the DVLA and MIB detect an uninsured vehicle while checking the records, the registered owner will receive an Insurance Advisory Letter (IAL) informing them that they need to insure it.

If the driver fails to follow the advice given in the IAL letter, they will face a fixed £ 100 fine.

After that, you may be notified that your vehicle will be jammed, seized and disposed of and you could face further fines of up to £ 1,000 depending on the severity of your case. In some cases, drivers can be banned from driving – either for a set period of time or all.

If the police detect a driver who is driving without insurance, they can impound your vehicle, which will cost you an additional £ 150 to get it back. In addition, the police will automatically add six points to your license and you will be fined if you don’t have insurance.

If you experience any of the above because your vehicle is not covered, your Car insurance will be much more expensive when you buy your next policy and some insurers may even deny you coverage. In this case, you need to find a specialized insurance company that offers insurance for convicted drivers.

More information: Convicted Driver Insurance: Driving offenses versus criminal convictions

How to check the car insurance yourself

There is an extremely easy way to check for free the auto insurance status of any vehicle you are concerned about.

All you have to do is visit them AskMID website and enter your vehicle registration number.

If you have car insurance and find that your vehicle is not insured, you must insure your car immediately to avoid fines. If you think you have insurance, contact your insurance company immediately (see below if you have) unsure who you are insured with.

What is AskMID?

Police car on the street

MID stands for Motor Insurance Database, the only centralized record of insured vehicles in the UK. The MID database is one of the main tools used to ensure that all vehicles driven on UK roads are insured. It is updated more than 10,000 times an hour.

The motor insurance database is used by both the DVLA and the police to enforce Motor Insurance Act on UK roads.

More information: What is AskMID? – A definitive guide

Who is my car insured with?

If you’re not sure which insurance company you work for, but you know you definitely have a policy, there are a few things you can do to find out:

  • Check your email inbox and junk for auto insurance emails – if you can find one, it should include your insurer’s details there.
  • Check your bank statement for the date you bought the policy. This should be easier if you pay for coverage monthly.
  • Complete a data subject access request form MIB website to see the information they have about you, your vehicle and your insurer over the past 7 years.

For more information, check out our in-depth guide: How to Find Out Who Your Car Insurance Is With

Start saving money on auto insurance today

If you’ve been with the same insurer over the past several years, it is very likely that switching providers can save you significant savings on your next policy.

Loyal customers who stay with a company for a while will end up being charged some sort of “loyalty tax,” which essentially means that your premiums go up for not switching, which ultimately increases coverage costs for no real reason.

To see how much money you can save on your next policy, get a free, no obligation quote today to help you decide whether or not it’s worth it Change car insurer.

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